Financial Account Management

1. A computer-implemented method for automatically managing a personal financial account of a user maintained at an institution, the method comprising: retrieving, by one or more computers, a first rule based at least in part on a first set of account information received from the user, with the first rule specifying a minimum account balance for the personal financial account; retrieving, by the one or more computers, a second rule based at least in part on a second set of account information received from the user; identifying, by the one or more computers, a conflict between the first rule, which specifies the minimum account balance for the personal financial account, and the second rule, with the conflict corresponding to when execution of the first rule will cause a rules engine to violate the second rule; retrieving, by the one or more computers, a set of conflict resolution rules to resolve the conflict; resolving, by the one or more computers, the conflict based on the set of conflict resolution rules applied by the computer to the conflict between the first rule and the second rule; storing the minimum account balance in a memory device; following resolution of the conflict: retrieving account data about the personal financial account from the institution, the account data comprising a current balance of the personal financial account; retrieving the minimum account balance stored in memory; detecting, by the one or more computers, that the current balance is below the minimum account balance; determining, by the one or more computers, an amount of funds to be transferred into the personal financial account from an account at a second institution, the account at the second institution for transferring funds into the personal financial account; and causing, by the one or more computers, a transfer of funds into the personal financial account from the account at the second institution.

2. The method of claim 1 further comprising: receiving information from the user identifying one or more source accounts from which to transfer funds should the current personal financial account balance fall below the minimum account balance; and transferring funds from one or more of the identified source accounts to the personal financial account in an amount sufficient to raise the current balance of the personal financial account to or above the minimum account balance.

3. The method of claim 1 further comprising: downloading account data for the user's personal financial account; storing the downloaded account data in one or more data repositories; and updating data associated with the user's personal financial account with the downloaded account data.

4. The method of claim 3 further comprising: transmitting a message to the rules engine, the message indicating that the account data for the user's personal financial account has been updated.

5. The method of claim 4 further comprising: determining, by the one or more computers, one or more rules associated with the user for execution by the rules engine.

6. The method of claim 1 further comprising: generating, by the one or more computers, a message, the message including data indicating that funds were transferred into the personal financial account; and transmitting the message to the user.

7. The method of claim 1 further comprising: scanning, by the one or more computers, the rules engine to determine one or more time and date based rules to be executed on a particular day; extracting, by the one or more computers, the one or more time and date based rules to be executed on the particular day; and populating, by the one or more computers, a list of rules for execution with the extracted one or more time and date based rules.

8. A computer-implemented method for automatically managing a personal financial account of a user maintained at an institution, the method comprising: retrieving, by one or more computers, a first rule based at least in part on a first set of account information received from the user, with the first rule specifying a maximum account balance for the personal financial account; retrieving, by the one or more computers, a second rule based at least in part on a second set of account information received from the user; identifying, by the one or more computers, a conflict between the first rule, which specifies the maximum account balance for the personal financial account, and the second rule, with the conflict corresponding to when execution of the first rule will cause a rules engine to violate the second rule; retrieving, by the one or more computers, a set of conflict resolution rules to resolve the conflict; resolving, by the one or more computers, the conflict based on the set of conflict resolution rules applied by the computer to the conflict between the first rule and the second rule; storing the maximum account balance in a memory device; following resolution of the conflict: retrieving account data about the personal financial account from the institution, the account data comprising a current balance of the personal financial account; retrieving the maximum account balance stored in memory; detecting, by the one or more computers, that the current balance is above the maximum account balance; determining, by the one or more computers, an amount of funds to be transferred out of the personal financial account to an account at a second institution, the account at the second institution for receiving funds from the personal financial account; and causing, by the one or more computers, a transfer of funds out of the personal financial account and into the account at the second institution.

9. The method of claim 8 further comprising: receiving information from the user identifying one or more target accounts into which to transfer funds should the current personal financial account balance rise above the maximum account balance; and transferring funds to one or more of the identified target accounts from the personal financial account in an amount sufficient to lower the balance of the personal financial account to or below the maximum account balance.

10. The method of claim 8 further comprising: downloading account data for the user's personal financial account; storing the downloaded account data in one or more data repositories; and updating data associated with the user's personal financial account with the downloaded account data.

11. The method of claim 10 further comprising: transmitting a message to the rules engine, the message indicating that the account data for the user's personal financial account has been updated.

12. The method of claim 11 further comprising: determining, by the one or more computers, one or more rules associated with the user for execution by the rules engine.

13. The method of claim 8 further comprising: generating, by the one or more computers, a message, the message including data indicating that funds were transferred into the personal financial account; and transmitting the message to the user.

14. The method of claim 8 further comprising: scanning, by the one or more computers, the rules engine to determine one or more time and date based rules to be executed on a particular day; extracting, by the one or more computers, the one or more time and date based rules to be executed on the particular day; and populating, by the one or more computers, a list of rules for execution with the extracted one or more time and date based rules.

15. A system comprising: a memory device; and a rules engine configured to cause the system to: retrieve a first rule based at least in part on a first set of account information received from the user, with the first rule specifying a minimum account balance for the personal financial account; retrieve a second rule based at least in part on a second set of account information received from the user; identify a conflict between the first rule, which specifies the minimum account balance for the personal financial account, and the second rule, with the conflict corresponding to when execution of the first rule will cause the rules engine to violate the second rule; retrieve a set of conflict resolution rules to resolve the conflict; resolve the conflict based on the set of conflict resolution rules applied by the computer to the conflict between the first rule and the second rule; store the minimum account balance in a memory device; following resolution of the conflict: retrieve account data about the personal financial account from the institution, the account data comprising a current balance of the personal financial account; retrieve the minimum account balance stored in memory; detect that the current balance is below the minimum account balance; determine an amount of funds to be transferred into the personal financial account from an account at a second institution, the account at the second institution for transferring funds into the personal financial account; and cause a transfer of funds into the personal financial account from the account at the second institution.

16. The system of claim 15 wherein the rules engine is further configured to cause the system to: receive information from the user identifying one or more source accounts from which to transfer funds should the current personal financial account balance fall below the minimum account balance; and transfer funds from one or more of the identified source accounts to the personal financial account in an amount sufficient to raise the current balance of the personal financial account to or above the minimum account balance.

17. The system of claim 15 wherein the rules engine is further configured to cause the system to: download account data for the personal financial account; store the downloaded account data in one or more data repositories; and update data associated with the personal financial account with the downloaded account data.

18. The system of claim 15 wherein the rules engine is further configured to cause the system to: transmit a message to the rules engine, the message indicating that the account data for the personal financial account has been updated.